Flexible Payment Plans: Emi Alternatives For Those Without Credit Cards


In today’s fast-paced world, owning a credit card has become a necessity for various financial transactions, including purchasing goods online, booking flights, and even paying bills. However, not everyone has a credit card due to various reasons such as poor credit history, a lack of earning potential, or distrust of banks.

This is where flexible payment plans, such as equated monthly installments (EMIs) come into play, and they have become increasingly popular among people who don’t have a credit card or have limited access to credit. These payment plans have opened up a world of opportunities for people to purchase things they may not have been able to afford otherwise.

One company that has been at the forefront of offering flexible payment plans for various products is Bajaj Finserv, a leading Indian financial services provider. Their EMI options have made it easy for people to purchase products on Amazon, one of the largest online retailers in the world.


One such instrument from Bajaj Finserv that helps you convert your high-ticket purchases into No Cost EMIs effortlessly is the Bajaj Finserv Insta EMI Card. The Insta EMI Card comes with a pre-approved limit of Rs. 3 Lakh and offers you the flexibility to choose a repayment tenure of your convenience, ranging from 1 month to 60 months.

How Does EMI Without Credit Card Work?

Like regular EMIs, EMI without credit card works by allowing customers to pay for their purchases in easy installments. Instead of using a credit card, the purchase amount is divided into multiple installments, which are then paid over a period of time. For instance, if a customer purchases a product for Rs. 15,000, the amount will be split into multiple installments, say four, and paid over four months, which would be Rs 3,750 per month.

However, unlike regular EMIs, EMI without credit card doesn’t require a credit check or a credit card. The payment plan is entirely based on the customer’s financial standing, such as their salary, profession, and income stability.

EMI plans offered by Bajaj Finserv on Amazon

Bajaj Finserv has been providing flexible payment plans to enable customers to purchase products worth Rs. 5,000 or more on Amazon. These plans allow the customers to pay for their purchases without a credit card in easy installments.

One of the most popular EMI options offered by Bajaj Finserv mobile in Amazon is the No Cost EMI. This EMI plan allows customers to pay for their purchases over a period of time, without incurring any additional charges or interest fees. Such No Cost EMIs are only available for select products, and the installment options may vary depending on the product’s cost.

Customers can also choose from various other EMI options offered by Bajaj Finserv, such as EMI on debit cards, EMI on credit cards from other banks, and consumer durable loans. These payment options are convenient, easy to use, and help customers purchase the products they want without any financial burden.

Benefits of EMI Without Credit Card

EMI without credit card is an excellent option for people who want to purchase a product but do not want to use their credit card or do not have access to credit. Here are some benefits of using this payment option.

1. Easy to use

EMI without credit card is easy to use and requires minimal documentation. Customers need to fill in some basic details, such as their PAN number, mobile number, and email address, to apply for the EMI plan.

2. Hassle-free process

Unlike applying for a credit card or a loan, the EMI process is hassle-free and straightforward. Customers can apply for the EMI plan online, and the entire process can be completed in a matter of minutes.

3. No credit check

One of the primary benefits of EMI without credit card is that no credit check is required to qualify for this payment option. This means that people with poor credit history or no credit history can also purchase products without any hassle.

4. Convenient payment plans

EMI without credit card offers customers convenient payment plans that allow them to pay for their purchases over a period of time. This is especially helpful for people who cannot afford to make a lump-sum payment.

5. No hidden fees

Most EMI plans, such as the No Cost EMI, do not charge any additional fees or interest charges. This means that customers can pay for their purchases in easy installments without any hidden costs.


EMI without credit card has become a popular payment option for people who want to purchase high-ticket items without incurring a lot of debt. With Bajaj Finserv’s EMI options, customers can purchase products on Amazon without a credit card and pay for their purchases in easy installments. This payment option is easy to use, hassle-free, and offers customers convenient payment plans that suit their financial needs.

Leave a reply